STOCK TITAN

Columbia Financial (NASDAQ: CLBK) director granted new deferred stock units

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Columbia Financial, Inc. director Holland Noel R. reported a compensation-related acquisition of common stock through a stock-based deferral plan. On June 26, 2026, 14.3815 phantom stock units tied to Columbia Financial common stock were credited at $20.86 per share under the Columbia Bank Stock Based Deferral Plan, held indirectly through a rabbi trust on a non-discretionary basis.

After this grant, the deferral plan account held 10,071.3002 common stock units. The filing also shows other existing holdings of common stock held directly and through retirement and stock award accounts, plus fully vested stock options with an exercise price of $15.60 per share expiring on July 23, 2029.

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Insider Holland Noel R.
Role null
Type Security Shares Price Value
Grant/Award Common Stock 14.382 $20.86 $300.00
holding Stock Options (right to buy) -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 10,071.3 shares (Indirect, By Stock-Based Deferral Plan); Stock Options (right to buy) — 83,294 shares (Direct, null); Common Stock — 36,726 shares (Direct, null)
Footnotes (1)
  1. Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
Phantom stock units granted 14.3815 shares Grant under Columbia Bank Stock Based Deferral Plan on June 26, 2026
Grant reference price $20.86 per share Common Stock units credited under stock-based deferral plan
Deferral plan balance 10,071.3002 shares Common Stock units held indirectly after the transaction
Direct common stock holding 36,726 shares Common Stock held directly following reported holdings entry
SEP-IRA indirect holding 46,280 shares Common Stock held indirectly by SEP-IRA after holdings entry
Stock award holding 2,952 shares Common Stock held indirectly as stock awards (vesting March 12, 2027)
Vested stock options 83,294 underlying shares Options on Columbia Financial common stock, fully vested
Option exercise price $15.60 per share Stock options expiring July 23, 2029
phantom stock financial
"Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust"
A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.
rabbi trust financial
"by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan"
A rabbi trust is a special account a company sets up to hold promised future pay for executives, like bonus or retirement money, so those employees can see there are funds earmarked for them. It matters to investors because it signals the company’s commitment to keep key people, but the money is still part of the company’s assets and can be claimed by creditors if the company goes bankrupt—think of it as a labeled jar that isn’t completely off-limits.
non-qualified stock-based deferral plan financial
"Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan"
Equity Incentive Plan financial
"granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan"
An equity incentive plan is a program that gives employees, executives or directors the right to receive company stock or options to buy stock as part of their pay. Think of it as offering slices of future company profit to motivate people to boost long‑term performance; for investors it matters because it can align employee goals with shareholder value but also increases the number of shares outstanding, which can dilute existing ownership.
Stock Options (right to buy) financial
"Stock Options (right to buy) granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan"
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Learn about SEC filing dates
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Holland Noel R.

(Last)(First)(Middle)
19-01 ROUTE 208 NORTH

(Street)
FAIR LAWN NEW JERSEY 07410

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Columbia Financial, Inc. [ CLBK ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
06/26/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock06/26/2026A14.3815(1)A$20.8610,071.3002IBy Stock-Based Deferral Plan
Common Stock36,726D
Common Stock46,280IBy SEP-IRA
Common Stock2,952IStock Award V(2)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Options (right to buy)$15.607/23/2020(3)07/23/2029Common Stock83,29483,294D
Explanation of Responses:
1. Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person.
2. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan which vest in one year on March 12, 2027.
3. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan are fully vested and exercisable.
Remarks:
/s/ Dennis E. Gibney, Power of Attorney06/30/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Holland Noel R. report for CLBK?

Holland Noel R. reported a compensation-related acquisition of 14.3815 phantom stock units of Columbia Financial common stock at $20.86 per share, credited under a stock-based deferral plan and held indirectly through a rabbi trust.

How are the new CLBK phantom stock units for Holland Noel R. held?

The 14.3815 phantom stock units are held in a Columbia Bank Stock Based Deferral Plan, purchased on a non-discretionary basis by a trustee in a rabbi trust and settled in actual shares upon distribution to the reporting person.

What CLBK holdings does Holland Noel R. have after the latest Form 4?

After the reported acquisition, one deferral-plan account holds 10,071.3002 common stock units, alongside other indirect holdings via a SEP-IRA and stock awards, and direct holdings of common stock and fully vested stock options on Columbia Financial shares.

What stock options on CLBK does Holland Noel R. currently hold?

The filing shows fully vested stock options on 83,294 shares of Columbia Financial common stock, with an exercise price of $15.60 per share and an expiration date of July 23, 2029, representing a significant derivative position.

Is the CLBK Form 4 transaction an open-market purchase or a grant?

The Form 4 characterizes the 14.3815-share entry as a grant or award acquisition under a stock-based deferral plan. Footnotes describe phantom stock purchased on a non-discretionary basis by a trustee, rather than a discretionary open-market stock purchase.